Sainsburys bank were very good whne a similar thing happened to me. My card statement showed some purchases that I hadn't made, and they agreed to refund the money, because the transactions "didn't conform to my usual spending pattern"
They were really good about it. Refunded the money and issued me with new cards etc.
My fraud didn't happen online though, but in Essex, where I haven't been. They reckon that someone must have skimmed and then duplicated my card and forged my signature when I wasn't looking

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